Re: store clerk tricked into opening card[ Edited ]
12-03-2012 08:41 PM - edited 12-03-2012 08:44 PM
I need advice. I was recently shopping around for engagement rings, and went into a Zales. I was asked by a clerk there if they could run my credit to see what I was eligable for. I said sure but insisted that I did NOT want to open a card. Well, a few days later I get the new card in the mail. Can I have this voided due to the fact that the opening of the card was fraudulent? I do not want this to hurt my credit score, and it is very important that I can have credit available soon. It is just infuriating! Thanks for any help.
Wow that sucks. I don't know the answer to your question but it does look like it was already answered. I do want to say, however, that most retail people work on commission and/or get some sort of incentive if they can get people to app for store cards.
In any sales environment, the chance for less than honest sales ppl rises. If no means no, then just say no.
Yeah, and it's backfired because not only will I not be shopping at Zales, I definitely would never buy it from that woman. It can be hard out there for people (like me and a lot of young adults) to navigate their credit when you don't know much about it, plus you have people everywhere trying to use your lack of experience to con you out of your credit score just so they can make a commission. Is it so much to ask that people just be kind?!
to be fair what you were asking was completely unreasonable and a strange question to ask, what you were offered would probably be the most fitting response besides going HUH? which is what i was doing while scratching my head. Besides everyone wants to make a sale, regardless there's NO way she could find out if you would qualify without pulling your score, and companies will NEVER soft hit you for a card unless you do the shopping cart trick with WFNNB or Comenity.
In the end you allowed her to run your credit, and insisted you did not want to open a card. In which you've recieved the option of NOT having it report. She did exactly what you requested. The fault is yours imho.
total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758